Enabling Supernova Computations on Dedicated Channels Malathi Veeraraghavan University of Virginia
SECOND GENERATION MICROFINANCE. Agenda General Context Innovation Opportunities –Channels...
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SECOND GENERATION MICROFINANCE M IC RO B ANX M ICRO B ANX M IC RO B ANX M ICRO B ANX
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Transcript of SECOND GENERATION MICROFINANCE. Agenda General Context Innovation Opportunities –Channels...
SECOND GENERATION MICROFINANCE
MICROBANX
MICROBANX MICROBANX
MICROBANX
General Context
ManuelPedro
Juana Alberto
PEOPLE’SPEOPLE’SBANKBANK
General Context
Pedro
Juana Alberto
MICROBANX
SMART CARD
MICROBANX
SMART CARD
Manuel
General Context
Pedro
Juana Alberto
MICROBANX
SMART CARD
MICROBANX
SMART CARD
Manuel
Realms of Innovation
COBIS Information Factory
Action
AnalysisPlanning
COBISCore
Transactional
COBISInformation
FactoryAnalytical
Transactional Realm
New Channels– Mobil Computing– Self-Service– Non-banking
New Services– Remittals– Insurance– Property Registry– e-Learning
$1.07
$0.73$0.68
$0.35$0.27
Human Tellers
Check
Phone (+ agent)
Self-Service
Self-Service
Credit Cards
Checks
Debit CardE-Cash
Credit Cards
Checks
Debit CardE-Cash
Cash Cash
1996 2010
Evolution of Payment Media
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Tra
nsa
ctio
n V
alu
e---
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--------------------------------Volume--------------------------------
Commercial Trends
Optimize low-value operations
New channels
Loyalty programs
Cross-selling
Security Smartcards 3Des
March 29, 2000
NCR to supply Web-enabled ATMs for 7-Eleven
DAYTON, OH, and DALLAS, TX. NCR has been selected by 7-Eleven in a deal that will see the convenience retailer's customers using NCR self-service solutions to access a range of financial services and e-commerce applications in 7-Eleven stores. Using NCR ATM-based kiosks with touch-screen Internet access, customers in over more than 200 7-Eleven stores throughout in the Dallas/Fort Worth area will be able to cash checks, purchase money orders, and send and receive wire transfers funds, in addition to traditional ATM transactions. 7-Eleven has partnered with American Express for this initial rollout of the kiosks. Future plans call for expanding the services available through the in-store kiosks to include event ticketing and online shopping. "The development of our V.com kiosk represents an extension of our long-standing relationship with NCR as an equipment provider to 7-Eleven and will facilitate our e-commerce strategy," said Rick Updyke, vice president of planning for 7-Eleven. "Distribution is the biggest challenge for e-commerce companies, and 7-Eleven is well positioned to leverage our existing physical locations, daily delivery infrastructure and state-of-the-art retail information system. When combined with the V.com kiosks, the result is final-mile unique solution for online shopping and fulfillment." At the heart of the web ATMs will be NCR's APTRA software, which allows 7-Eleven customers to access the financial services and information using standard Internet technology. "This is a perfect fit with 7-Eleven's Internet strategy," said Andy Orent, vice president of NCR's ATM Solutions Group. "With NCR's self-service terminal, powered with APTRA software, 7-Eleven customers have the convenience of cashing paychecks and accessing other financial services, 24 hours a day."
ATM NT/Web
Banking on non-bank channels
Remittals
$
$
$
$
Other Possibilities
eLearningeLearning
Titulo de Propiedad
Property Registry
Analytical Realm
Risk Management– Credit Risk
– Liquidity Risk
– Interest Rate Risk
– Account Profitability
Patriot Act (Anti-Laundering) Insurance Deposits Impact Assessment / Business Intelligence MicroBrokering
MicroBrokering
IFP
IFP
IFPIFP
IFP
IFP
IFP
IFP
IFPIFP
Enabling Technologies
VPN (Internet) XML Smartcards (biometrics) POS GPS Data Warehousing - OLAP Notification Engine Transactional Architecture
HOST FORANEO HOST COBIS
HOST BRANCH
FIRMAS
SERVIDOR DE OBJETOS
FILTRO
7X24
Transactional Architecture
Securit
References
Products
Networking
Control
Batch Processing
Balanced Scorecard
ALM
Crédito Risk
Financial Analysis
Channel Analysis
Business Intelligence
Customer Info Deposits
• Demand• Time• Other
Loans• Originations• Portfolio Mgmt• Collections
Treasury Forex Bank Services Remittals Accounting Budgeting
Teller Management
Officer Station
Authentication
7x24 Services
Item Processing
Imaging
Workflow
Internet Banking
Self-Service• Kiosks• ATMs• Switch
IVR
Mobil Computing
Strategic Information
Office Automation
Virtual Banking
Financial Products
SOFTWARE MODULESSOFTWARE MODULES
Administration
Internet
Self-Service
CHANNELSCentral Servers
& Hosts
External Hosts &
Networks
ATM Networks
COBISTransaction Gateway
COBISATM
Server
COBISInternet Server
COBISIVR/CTI
Filter
Filter
Filter
Phone
COBISVirtual Banking
Server
COBIS 7x24TranServer
Virtual Banking
Mobile
Relevant Relationships
Banco Sol Banco Tequendama Amextra Banco Agrario Banco Cuscatlán BanRural Banco Macro Coop 23 de Julio•70 Installations
•13 countries
•50 years!
